Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$74,083Cash toward the purchase price.
Closing costs + prepaids$8,662Not just lender fees.
Before credits & paid funds$82,745The complete starting cash picture.
Estimated remaining funds due at closing
$82,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,082.60
Your down payment$74,082.60
Closing costs + prepaids$8,661.93
Total buyer cash needed$82,744.53
Remaining funds due$82,744.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,290.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$969.75
Prepaid interest, first (23 days)$177.18
Fees + prepaids$8,661.93
Your down payment is the seller’s equity. You take over the $54,917 balance, so the rest of the $129,000 price is paid at closing. A second mortgage can cover part of it. $82,744.53 is due at closing. Uses and sources reconcile at $137,661.93 each. Not a Closing Disclosure.